Ndipotu, pali zinthu zambiri zomwe mungachite ngati mulibe ndalama zokwanira. Inde, chophweka ndi chophweka ndicho kubwerera kwa amayi pansi pa phiko. Sikuti aliyense amavomereza izi. Pambuyo pa zonse, kamodzi muyenera kuyamba moyo wodziimira nokha, ndipo ngati mwangodzipereka, simungakwanitse.
Kotero, choti uchite, komwe ungapeze njira yotulukira. Anthu ambiri amati amasintha ntchito. Monga, ngati mulibe ndalama zokwanira, muyenera kupeza chinthu china chopindulitsa kwambiri. Koma, izi siziri nthawi zonse chisankho choyenera. Pambuyo pake, nthawi zambiri zimachitika kuti inu nokha mumvetsetsa - ndi ntchito yanu yapadera ntchito yanu ndi yopindulitsa kwambiri, ndipo mwa kusintha izo, mumangopanikizika ndi moyo wanu. Choncho, musamvere malangizo a omwe sakudziwa. Ndiwe nokha amene mumadziwa momwe mungapangire ndalama zokwanira. Inde, munganene kuti mwayesapo kale ndipo palibe chomwe chikuchitika. Ndipotu, ngati muli ndi malipiro ochepa, mukhoza kuphunzira momwe mungathere. Pankhaniyi, chinthu chachikulu ndichosunga ndi kusiya.
Kotero, mumasowa chiyani? Dzifunseni nokha, kodi mulibe zokwanira zamoyo, kapena moyo wabwino? Ngati ndi funso lachiwiri, ndiye kuti mukufunika zochepa zofunsira zanu. Poyamba kukhala okha, okhawo amene amapatsidwa ndalama zokhazikika mwezi uliwonse amakhala bwino. Ngati abambo anu ndi amayi sangakwanitse, ndiye kuti inuyo nokha muyenera kuchita zonsezi. Ndipo izi zimatenga nthawi komanso kuthera ndalama.
Mwa ichi palibe chovuta, ngati choyenera patsogolo. Choyamba, sikuli koyenera kuti mupite tsiku la kulipira ndikugula chilichonse chimene mukufuna. Pakakhala ndalama zambiri pamanja, zikuwoneka kuti mazana angapo ena sangasinthe chilichonse. Ndipotu, izi siziri choncho. Kuwona ndalama zazikulu, timaiwala kuti sitiyenera kukhala lero, komanso mlungu umodzi, kotero timapita ku sitolo ndikugula chirichonse chimene chimabwera m'maso mwathu. Izi zimabweretsa kuwona kuti malipiro amathera mu sabata, koma momwe tingakhalire ndi ena atatu, sitidziwa. Chimodzimodzinso ndi zochitika pamene tsiku la malipiro achinyamata ambiri amasankha kupumula kukaitana anzawo onse ndikugula zonse zomwe moyo ukufuna, ndipo tsiku lotsatira iwo amazindikira ndi mantha kuti theka la malipiro siliripo.
Choncho, mutalandira ndalamazo, ndibwino kupita kunyumba mwakamodzi m'malo mozigwiritsira ntchito pazinthu zonse. Lembani mndandanda womwe mumayenera kugula kuchokera ku chakudya, kuchuluka kwa kulipira nyumba, zomwe mungathe kuchita pa zovala ndi zodzoladzola, ndi zomwe zilipo kale mukhoza kuyenda. Mndandanda womwewo umathandiza kumvetsa kuti ndalama sizambiri ndipo zimadzitengera nokha kumoyo.
Komanso, kuti mupite chakudya, simukusowa kupita kuchititolo, chomwe chiri pafupi, chifukwa chakuti muli omasuka kwambiri. Pakhoza kukhala zambiri. Phunzirani kuyang'ana mitengo, kuwerengera ndi kudziwa kumene kuli bwino kugula zinthu zabwino pamtengo wotsika. Kumbukirani kuti palibe amene adasokoneza misika, makamaka yaing'ono. Amatha kugula zinthu zatsopano komanso zamtengo wapatali, pamtengo wochepa kuposa m'masitolo. Mukamagula chakudya, kumbukirani kuti muyenera kudya bwino. Choncho, sankhani zomwe zimafunika kwenikweni kuti thupi likhale ndi mavitamini komanso minerals. Inde, nthawi zina mumatha kudzipangira zakudya zamtengo wapatali, koma ndizofunikira kugwiritsa ntchito ndalama kuchokera ku "zosangalatsa".
Pambuyo pazinthu zomwe mwaziganizira, mukhoza kupita kukonza ndi zovala. Pankhaniyi, nawonso, nkofunikira, choyamba, kutsogoleredwa ndi nzeru. Inde, mtsikana aliyense amakonda makola khumi ndi asanu, koma ngati atasankha kukhala yekha, phunzirani kusankha zomwe mukufuna. Mwachitsanzo, posankha ngati akugulira milomo ina kapena imodzi, ganizirani za angati omwe mumagwiritsa ntchito kamodzi pamwezi, ndi angati - tsiku lililonse. Tengani zomwe mukusowa tsiku lililonse. Zomwezo zimapita ku zovala. Ngati chiri chilimwe, musagule yophukira sweatshirt, ngakhale ngati mumakonda kwambiri. Mundikhulupirire ine, m'dzinja mudzapeza wina, womwe uli wochuluka kwambiri. Choncho, kugula chinachake chilimwe chinachake chimene mungathe kuvala pakalipano. Nthawizonse yesetsani kutsogoleredwa ndi lingaliro la kulingalira, osati mwa zikhumbo zanu zachiwiri. Kumbukirani kuti popanda ubweya umenewo ukhoza kusamalira, koma wopanda mkate - osati kwambiri.
Komanso, mwamsanga musamalire ndalama zomwe mukuyenera kulipira nyumbayo ndipo musalole kutenga chinachake kuchokera kwa iwo. Musadzitonthoze chifukwa chakuti mutengapo ndalama zofunikira. Mwinamwake, simungapeze chirichonse pokhapokha mutabwereka. Ndipo ngongole ndi chinthu chotsiriza. Iwo amachititsa moyo kukhala mzere wovuta, chifukwa, ngati sikokwanira pa moyo, ngongole zimachotsa ndalama yotsiriza kuchokera kwa ife. Choncho, phunzirani kudziletsa.
Kuonjezera apo, nthawi zonse muyenera kuika ndalama zochepa kuti muwononge ndalama zomwe simukuziyembekezera. Mu moyo, chirichonse chikhoza kuchitika, chotero, payenera kukhala osachepera mazana angapo m'nyumba, zomwe inu simumathera, ziribe kanthu kuti simukuzifuna.
Ngati muli ndi ndalama zowonjezera, zikani. Simukufunikira kuligwiritsa ntchito nthawi yomweyo pamapwando ndi matanki osayenera. Aloleni iwo adzigonjere okha mofatsa, mphindi idzabwera, ndipo idzabwera mosavuta.
Pokhapokha mwawerenga zonse ndikuziyika, mukhoza kuwona kuchuluka kwa zomwe mwasiya kuti musangalale. Zoonadi, izi sizinali zoyembekezerapo, koma nkofunika kuphunzira kuti musamafune kukhumba kwanu. Ngati mwawerenga molondola ndalamazo, ayamba kudziunjikira ndipo posakhalitsa mungathe kupatula zambiri pa wokondedwa wanu. Chinthu chachikulu ndikudikirira pang'ono ndikuphunzira momwe mungagwiritsire ntchito ndalama.